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Head-to-head

Monzo Extra vs Monzo Perks

Compare Monzo Extra and Monzo Perks side by side: fees, rewards, APR, and perks.

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Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

Monzo Extra versus Monzo Perks compared by attribute
Feature Monzo Extra Monzo Perks
Card fee £3 GBP/mo (≈ $4) £7 GBP/mo (≈ $9)
Purchase APR (from) - -
Interest-free period - -
Foreign transaction fee 0% 0%
Rewards All free-tier retailer cashback offers plus 5% AER on the Saving Challenge pot. Virtual cards for organised spending. Auto-export of transactions to Google Sheets. All Extra-tier cashback and savings features, plus lifestyle perks: weekly Greggs treat voucher, annual 1/3-off Railcard, monthly Vue cinema ticket, and Uber One membership trial. 0.50% AER savings boost on instant-access pots.
Installments - -
No card fee - -
No foreign transaction fee
Welcome bonus - -
Airport lounge access - -
Travel insurance - -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the Monzo Extra if its checked rows above line up with how you spend most.
  • Choose the Monzo Perks if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review Monzo Extra Full review Monzo Perks

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